Ten Questions for Retirement or Company · PDF fileTen Questions for Retirement or Company...
3
Ten Questions for Retirement or Company Downsizing Do I need to get another job? Can I afford to do something I love? What about health care? What is COBRA? When can I collect Medicare? Should I take my social security early? Should I pay off my home? Should I downsize my house? Move to a lower tax area? Do I still need life insurance? If yes, should it be in a trust? Should I leave my 401(k) with my old company, or roll it over to an IRA? How much risk should I take in my portfolio? None? A little bit? A little more? How do I balance my need for growth with my need for stability? Does my advisor understand who I am, and what is important to me? e Princeton Group has helped clients and their advisors answer these and other important questions for over 20 years. We’ve been through the process ourselves. Every client is unique. Client by client, we have built a reputation for high quality advice, service and ethics. Minimum account size: $500,000. Morgan Stanley Smith Barney LLC. Member SIPC Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney’s LLC’s licensed insurance agency affiliates. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account. e Princeton Group at Morgan Stanley 1200 Lenox Drive, Suite 300 P.O. Box 1573 Princeton, NJ 08542 800 Newport Center Drive #700 Newport Beach, CA 92660 Toll Free: 800 843 3326 Fax: 609 482-4946 http://www.morganstanleyfa.com/ theprincetongroup/ CA Insurance Lic.#OA95852 Ralph B. Wright Vice President - Senior Portfolio Manager Financial Advisor Gregory F. Butler Vice President Portfolio Manager Financial Advisor
Transcript of Ten Questions for Retirement or Company · PDF fileTen Questions for Retirement or Company...
Ten Questions for Retirement or Company Downsizing
Do I need to get another job? Can I afford to do something I love?
What about health care? What is COBRA? When can I collect Medicare?
Should I take my social security early?
Should I pay off my home?
Should I downsize my house? Move to a lower tax area?
Do I still need life insurance? If yes, should it be in a trust?
Should I leave my 401(k) with my old company, or roll it over to an IRA?
How much risk should I take in my portfolio? None? A little bit? A little more?
How do I balance my need for growth with my need for stability?
Does my advisor understand who I am, and what is important to me?
The Princeton Group has helped clients and their advisors answer these and other important questions for over 20 years. We’ve been through the process ourselves. Every client is unique. Client by client, we have built a reputation for high quality advice, service and ethics. Minimum account size: $500,000.
Morgan Stanley Smith Barney LLC. Member SIPC
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney’s LLC’s licensed insurance agency affiliates.
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account.
The Princeton Groupat Morgan Stanley
1200 Lenox Drive, Suite 300 P.O. Box 1573
Princeton, NJ 08542
800 Newport Center Drive #700Newport Beach, CA 92660
Toll Free: 800 843 3326Fax: 609 482-4946
http://www.morganstanleyfa.com/theprincetongroup/
CA Insurance Lic.#OA95852
Ralph B. WrightVice President - Senior Portfolio Manager
Financial Advisor
Gregory F. Butler Vice President Portfolio Manager
Financial Advisor
Ten Questions for Business Sale or Liquidity Event
How can I minimize the tax bite?
Should I re-do my will and estate plan?
If something happens to me, do I want my kids to receive the money at age 18? 25? 35? 65? Never?
Should I pay off my home?
Are my home, auto and general liability insurance policies right for where I am now in my life?
Do I still need life insurance? If yes, how much?
What is a Life Insurance Trust? Would that be good for me?
How much risk should I take in my portfolio? None? A little bit? A little more?
How do I diversify my portfolio so that today’s market news doesn’t derail my long term goals?
Does my advisor understand who I am, and what is important to me?
The Princeton Group has helped clients and their advisors answer these and other important questions for over 20 years. We’ve been through the process ourselves. Every client is unique. Client by client, we have built a reputation for high quality advice, service and ethics. Minimum account size: $500,000.
Morgan Stanley Smith Barney LLC. Member SIPC
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney’s LLC’s licensed insurance agency affiliates.
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account.
The Princeton Groupat Morgan Stanley
1200 Lenox Drive, Suite 300 P.O. Box 1573
Princeton, NJ 08542
800 Newport Center Drive #700Newport Beach, CA 92660
Toll Free: 800 843 3326Fax: 609 482-4946
http://www.morganstanleyfa.com/theprincetongroup/
CA Insurance Lic.#OA95852
Ralph B. WrightVice President - Senior Portfolio Manager
Financial Advisor
Gregory F. Butler Vice President Portfolio Manager
Financial Advisor
Ten Questions Before Selling Your Business
Is now the right time for a sale?
How do I know if the offering price is reasonable?
Should I do an independent valuation of the company?
What income tax planning should be done before the sale?
What estate tax planning should be done before the sale?
What financial restructuring should be done --- if any?
What operational initiatives will entice customers to stay on after the transition?
The sale proceeds will be in publically traded stock? What does that mean?
What is a 10(b)5-1 plan? Will I need to use this when I sell?
Does my advisor understand who I am, and what is important to me?
The Princeton Group has helped clients and their advisors answer these and other important questions for over 20 years. We’ve been through the process ourselves. Every client is unique. Client by client, we have built a reputation for high quality advice, service and ethics. Minimum account size: $500,000.
Morgan Stanley Smith Barney LLC. Member SIPC
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney’s LLC’s licensed insurance agency affiliates.
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account.
The Princeton Groupat Morgan Stanley
1200 Lenox Drive, Suite 300 P.O. Box 1573
Princeton, NJ 08542
800 Newport Center Drive #700Newport Beach, CA 92660
Toll Free: 800 843 3326Fax: 609 482-4946
http://www.morganstanleyfa.com/theprincetongroup/
CA Insurance Lic.#OA95852
Ralph B. WrightVice President - Senior Portfolio Manager
Financial Advisor
Gregory F. Butler Vice President Portfolio Manager
Financial Advisor
